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@user5387 wrote:If $1400 reported out of $78K, isn't that a tad under 2%?
Not sure where you got 0.01%. Installment loans don't factor into revolving utilization.
If there's a drop between the before / after utilizations, that may help you.
I would also wonder if everything was fully reported by the time of the second score. Did you look at a TU report to verify this?
Sorry yes it is around 1.7% that other number was work related and I don't know why I put it in there. I pulled my TU report on the 13th and verified the accounts were showing up.
I expect your utilization was helped in two ways -- reduced overall utilization, and proportion of cards with balances (1/1 -> 1/8).
But I doubt this would explain the score jump.